This document summarizes the capabilities of Guardian Analytics' machine learning and behavioral analytics solutions for financial fraud detection compared to Actimize. It states that Guardian Analytics offers omni-channel visibility, behavioral analytics that require no rules, and machine learning that continuously updates models without human intervention. It also provides rapid deployment, flexible hosting options, visual analytics, and integrates risk data from multiple sources. In contrast, it describes Actimize as having poor user interfaces, requiring extensive rule maintenance, long deployments, and high costs.

1. © 2016 Guardian Analytics, Inc.
Don’t be victimized by rules based systems.
Keep the trust of your customers
with state-of-the-art machine-learning and
behavioral analytics solutions.

2. © 2016 Guardian Analytics, Inc.
Claims vs Reality
What Actimize Claims What it really means… What Guardian Analytics offers…
Provides enterprise-wide
controls to help increase
operational effectiveness
and efficiency…
Poor user interface: Actimize provides an
risk case manager to track and document
fraud incidents. It provides very little to no
visualization of fraud factors or analysis. For
example “basic” RCM platform training
requires 5 days.
Omni-Channel: Complete visibility across multiple
channels and payment types with purpose-built
behavioral models for Online and Mobile Banking,
Wire, ACH, and web portals.
Visual Analytics: Provides a rich, intuitive
customer-centric view leading to improved
investigations and insights. Designed for fraud
analysts, provides powerful data visualization,
contextual and actionable information to
streamline the investigation process.
Cybercrime protection… High Maintenance: Requires extensive rules
authoring, and continuous tuning. Requires
heavy involvement from Actimize services
staff to maintain. Actimize claims to support
“unlimited rules authoring” as a virtue when
in fact, creating and maintaining multiple
rules are a trap leading to extensive false
positives and poor fraud detection rates.
Behavioral Analytics: Proven to be highly effective
at detecting fraud. Requires no rules. Each account
is scored based on its unique profile resulting in
high precision and minimal alerts. Non threat-
specific, requires no a-priori knowledge of
fraudster tactics. Immune to constantly changing
attacks.
Machine Learning: Automatically learns and
adapts from each event or activity, does not
require model training or tuning. Requires no on-
going feedback. Adaptive and predictive
algorithms continuously update models without
requiring human intervention.

3. © 2016 Guardian Analytics, Inc.
Claims vs Reality (continued)
What Actimize Claims What it really means… What Guardian Analytics offers…
Consolidate information
from existing detection
systems into a single
operational tool…
Designed primarily to ingest alerts from
external systems for display only. Requires
external alerts to be mapped into ECRM’s
schema, plus transformation, normalization,
and other processing.
Requires custom processes to be written in
order to override default business rules.
Actimize’s white papers and other materials
provide very little detail about how to make
data actionable outside of the ECRM tool.
Enterprise API: A comprehensive web services
framework that allows real-time data capture from
multiple sources across the entire institution and
returns real time risk scores to drive automated
intervention such as transaction hold/release, step
up authentication, OOB, and other strategies.
Designed for extensibility, provides robust,
scalable, and future-proof integration for services
oriented architectures.
Integrated Risk Data: Allows loading of any
structured or unstructured intelligence data from
multiple sources to enhance risk scoring and to
provide expanded contextual information.
Requires no transformation or custom coding.
Some data source examples include: accounts with
recent password resets, dormant or terminated
accounts, confirmed or suspected mules,
suspicious IP address lists, malware infected
device alerts, etc.

4. © 2016 Guardian Analytics, Inc.
Claims vs Reality (continued)
What Actimize Claims What it really means… What Guardian Analytics offers…
Sophisticated platform & flexible
deployment…Implementation choices
include fully configurable enterprise or
packaged core options, available on-
premise or via managed cloud service,
balancing the need for flexibility and
customization with quick
deployment….
Inflexible and Long Deployment:
Extremely expensive and resource
intensive to deploy and maintain.
Typical engagements take over 12
months to deploy to production.
Almost 100% of deployments have to
be installed on premise.
High TCO: Requires high capital
expense outlays up front in hardware
and infrastructure and on-going
maintenance. Requires multiple
complex environments such as
development, testing, staging, pre-
production, and production.
Rapid Deployment Process: Designed to
get customers operational quickly and
easily. Well-defined deployment templates
for single or multi-channel incremental
deployments provide much faster time to
protection.
SaaS or Private Cloud Deployments:
Flexible hosting or private cloud
deployments allow FIs to start quickly and
prove value without requiring large, up
front investments. Customers can migrate
from SaaS to private cloud or vice-versa
depending on their requirements. Both
types of deployments benefit from
Guardian Analytics’ 24x7 monitoring and
managed service operations.

5. © 2016 Guardian Analytics, Inc.
Only one safe choice to identify financial fraud
Capabilities Actimize
Guardian
Analytics
Omni-channel: Complete visibility across multiple channels and payment types such as Online Banking, Mobile
Banking, Wire, ACH, MFA, Call Center, Branch, and many others. Provides an intuitive customer-centric view
leading to improved investigations and insights.
✔ ✔
Behavioral analytics: Requires no rules. Each account is scored based on its unique profile resulting in high
precision and minimal alerts. Non threat-specific, requires no a-priori knowledge of fraudster tactics. Immune
to constantly changing attacks.
✘ ✔
Machine learning: Automatically learns and adapts from each event or activity, does not require model training
or tuning. Requires no on-going feedback. Adaptive and predictive algorithms provide continuous model
updates without requiring human intervention.
✘ ✔
Enterprise API: Allows real-time data capture and risk scoring from multiple sources across the entire
institution. Provides real-time responses to drive intervention strategies such as step up authentication, high
risk transaction quarantines, out-of-band notifications, and others. Designed for extensibility, the Enterprise
API provides a robust and future-proof framework for integration and scalability.
✘ ✔
Visual analytics: Intuitive user interface designed for fraud analysts, provides powerful data visualization and
rich contextual and actionable information to streamline the investigation process. Automatically joins data
from multiple vendors or solution providers to present a customer-centered view.
✘ ✔
Integrated Risk Data: Allows FIs to upload and join intelligence data from multiple sources to provide enhanced
overlay or contextual information for fraud analysts. For example, lists of accounts that have recently visited
the contact center requesting a password reset, list of dormant or terminated accounts, lists of confirmed or
suspected mule accounts, lists of suspicious IP addresses, etc.
✘ ✔
Rapid Deployment Process: Designed to get customers operational quickly and easily. Well-defined
deployment templates for single or multi-channel incremental deployments provide much faster time to
protection.
✘ ✔

6. 360 Degree Insights and Real-Time Control
6© 2016 Guardian Analytics, Inc. –
Unified risk scoring across payments
and channels using advanced
behavioral analytics and machine
learning from Guardian Analytics
Consolidated view of customer
activities, risk and fraud
Real-time integration of customer
banking activities, account data,
and 3rd party fraud alerts
Channels
Payments
ATM
Contact
Center
POS
Branch
Online
Mobile
Bill Pay
Debit
Wire
ACH
P2P
Omni-Channel
Visual Analytics
Omni-Channel
Risk Engine
Enterprise API
Integrated Risk
Database

7. 7© 2016 Guardian Analytics, Inc. –
#1 Behavioral Analytics Platform